High Volume ACH Processing
ACH processing replaces card interchange with flat per-transaction pricing. High volume merchants moving recurring payments, B2B invoices, or payroll save 80–95% versus credit cards once average ticket exceeds $200.
What you get with high volume ach processing
Flat $0.25–$0.50 per ACH
No percentage-based fees, ever. Predictable cost regardless of ticket size.
Same-day ACH window
Submit by 4:45pm ET and funds settle the same business day under NACHA SDA rules.
ACH return management
Built-in R01/R03/R10 retry logic keeps return rates under the 0.5% NACHA threshold.
API + virtual terminal
Process ACH via REST API, hosted checkout, or batch CSV upload — whichever fits your stack.
How high volume ach processing compares
Stack high volume ach processing against typical flat-rate offerings and you see the spread widen at every order of magnitude in volume.
Estimated effective rate on a blended online card mix at $5M/month. Your rate may vary.
Frequently asked questions
How much does high volume ACH processing cost?＋
Volume Processing charges $0.25–$0.50 per ACH debit with no percentage fee — saving merchants 80%+ versus 2.9% card processing once tickets exceed $200.
What is same-day ACH funding?＋
Same-day ACH (SDA) settles funds in the receiving bank account the same business day if submitted before the 4:45pm ET cutoff window.
Related payments services
High Volume Credit Card Processing
Interchange-plus credit card processing built for merchants moving $100K to $100M+ per month with same-day funding and tier-1 acquiring.
High Volume eCheck Processing
Web-initiated eCheck (WEB) and telephone-initiated (TEL) processing for high volume merchants with built-in NSF protection and verification.
High Volume International Payment Processing
Multi-currency card acceptance for US merchants selling globally — optimized routing to reduce cross-border decline rates by up to 18%.